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Industry Views: Will Fintech Cause the Next Financial Crisis?

A recent opinion piece in Bloomberg suggested that the next financial crisis could spring from Silicon Valley instead of Wall Street. Payments experts weigh in on the analysis and offer their own two cents on fintech, innovation, regulation and risk.


Poll Results: Prepaid and Air Miles Rewards

Related stories: Fly Away: Netspend Prepaid Card Offers United Airlines’ MileagePlus Rewards The Missing Piece in B2B Air Travel Payments Blackhawk Provides ‘Upside’ for Companies, Business Travelers Image Credits: Itzik Gur


Poll Results: Catalysts for Innovation

FinovateSpring highlighted some of the key developments in payments. What do you think will be the biggest catalysts for payments innovation in the next five years?


Poll Results: Strategic Priorities

What is your company’s No. 1 strategic priority? Our Paybefore.com readers respond.

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Webinar: Powering Smarter Solutions: Competing in the New Prepaid Landscape

Access the replay of our Webinar featuring industry experts from Celent’s banking practice and global payments processor i2c discussing research and case studies about the integral role of processing technology in creating top-of-wallet solutions.


Webinar: Millennials, Paycards and the Future

Access this deep dive into research conducted by the Pay Award-winning paycard provider Global Cash Card Inc. and the Center for Generational Kinetics to find out more about meeting the needs and wants of this digital-first generation.


Introducing Paybefore’s Spotlight Webinar Series

For more than a decade, Paybefore has created the publications of choice for payments industry decision makers. Now you can reach these experts and potential partners live through Paybefore’s new Spotlight Webinar Series.


Webinar: CFPB Final Rule on Prepaid Accounts: The Rules and Their Short- and Long-Term Impacts

K&L Gates payments lawyers get down to the nitty gritty with the CFPB’s expansive final prepaid accounts rule. Find out what you need to know for your business and earn CLE credit at the same time.

Research & Analysis


CFPB Financial Well-Being Report Underscores Industry Opportunity

More than 40 percent of U.S. adults struggle to make ends meet, according to new data from the CFPB. While not great news on its own, the findings could help financial services providers design products directed at improving financial well-being.


Common Cents Lab Unveils Millennial Financial Regret Spending Report

If you’re trying to cater to millennials, you need to understand how they think and feel about money. Common Cents Lab, a financial research lab at Duke University supported by MetLife Foundation, has released its first ever Millennial Regret Spending Report, which can help companies do just that.


Report: Mobile Wallets Reach ‘Tipping Point’

This week Apple Pay celebrated its third birthday, and ACI Worldwide and Aite Group released data on rising mobile wallet usage, indicating that consumers in the U.S. and Europe are starting to catch up with those in Asia and Latin America where mobile wallets dominate.


Juniper Predicts Major Global Shift to Contactless on Heels of U.S. EMV Push

A new study from Juniper Research is forecasting that more than half (53 percent) of global transactions at the point of sale will be contactless within five years, compared with just 15 percent this year.

Spotlight on Companies


Innovators’ Spotlight: SPENT Money

Rather than being top of wallet, SPENT Money wants to help consumers manage and earn rewards from what’s already there—at least for now.


Top 5 Best Challenger Banks: Spotlight Profiles

Our Top 5 Challenger Bank spotlight series is complete. Get to know the challengers—Cashplus, Varo Money, Revolut, Capital on Tap and Fidor Bank—looking to shake up the status quo with tech and a superior customer experience.


Top 5 Best Challenger Banks: Fidor Bank

Our final spotlight article for our Top 5 Best Challenger Banks list is the only actual bank in the bunch. See how Germany-based Fidor Bank stacks up against the high street banks and its nonbank competitors.


Top 5 Best Challenger Banks: Cashplus

Meet our No. 1 on the Top 5 Best Challenger Banks list and find out why CEO Rich Wagner says the company belongs there.

Spotlight on People


Executive Profile, Solana Cozzo, Mastercard

It’s a good thing Solana (“Sol”) Cozzo is high energy. When she’s not literally running or chasing after 3-year-old twins, she’s running Mastercard’s North American prepaid and inclusive growth business. It’s hard work when you consider that “the cardable opportunity is about seven times the current market,” she says.


Compliance Titans: Jim Schafer, FIS

An early interest in credit cards hooked Jim Schafer on payments. Since then, his work has taken him across the globe in roles as diverse as programming and human resources. But it’s his current role as senior compliance director of FIS Payments that has led him to be named one of Paybefore’s Compliance Titans.


Compliance Titans: Jeff Ross, Green Dot Corp.

Nearly a decade after jumping from the public to the private sector, Green Dot’s Jeff Ross remains as enthused as ever by the new challenges and complexities he faces every day as compliance head for one of the biggest players in an industry with a constantly shifting regulatory landscape and technology that’s advancing at a breakneck pace.


Top Payments Consultants: Rick Oglesby, AZ Payments Group

Even when serving in senior manager and director roles with the likes of American Express and TSYS early in his career, Rick Oglesby, AZ Payments Group president, always felt he was destined to be a payments consultant. That vision came true in 2011, and you don’t have to spend too much time with him before his love of consultancy work—helping companies succeed while establishing and nurturing relationships—becomes apparent and likely is the reason why he was selected as one of the industry’s Top Payments Consultants.